Cynergy Bank Limited

OB Standards

This Section applies to ASPSPs that have implemented OB Standards

-Have you Implemented OB Standards?	Yes No
Open Data - Which version have you Implemented?	None V2.2 V2.3 V2.4
Read/Write API Specification Implemented or planning to implement (Lowest version = Current, Highest version = Planned)	V3.0 V3.1 V3.1.1 V3.1.2 V3.1.3 V3.1.4 V3.1.5 V3.1.6 V3.1.7 V3.1.8
Read/Write API - Which date are you planning to implement your latest version?
Dynamic Client Registration - Which version have you Implemented or planning to implement? (Lowest version = Current, Highest version = Planned)	None V3.1 V3.2 V3.3
DCR - Which date are you planning to implement your latest version?
Have you implemented Trusted beneficiaries, if not date planned to Implement?	Already Implemented Planning to implement Not planning to implement
Have you implemented Reverse Payments, if not date planned to Implement?	Already Implemented Planning to implement Not planning to implement
Have you implemented ECA Standard?	Already Implemented Planning to implement Not planning to implement
ECA Implementation details		Contact: [enter contact details for the relevant person(s) at your organisation] [You can use this space to provide your status with respect to the Standard]
Have you implemented Bulk/File Payments?	Already Implemented Planning to implement Not planning to implement
Have you implemented VRP – Sweeping, if not date planned to Implement?	Already Implemented Planning to implement Not planning to implement
Have you implemented VRP non-Sweeping, if not date planned to Implement?	Already Implemented Planning to implement Not planning to implement	Contact: [enter contact details for the relevant person(s) at your organisation] [You can use this space to provide implementation details relevant to VRP]
PISP - Single Payment Limit	£50,000
PISP - Daily Payment Limit	£50,000
How many months of transaction do you provide?	12

Security Profile

-Which Security profile have you Implemented or planning to implement? (Lowest version = Current, Highest version = Planned)	OB Security Profile (Legacy) FAPI Other (Please define)
Security Profile - Next Planned Version Implementation Date
CIBA Profile - Implemented or planning to implement (Lowest version = Current, Highest version = Planned)	None CIBA CIBA FAPI Profile
CIBA Profile - Next Planned Version Implementation Date
Security Profile Certification date?
Token Endpoint Authentication Methods Supported	client_secret_post client_secret_basic client_secret_jwt tls_client_auth Private_key_jwt
Planned date to Cease support for client id and client secret token endpoint authentication	N/A
POST-BREXIT POST TRANSITION - Certificates Accepted (from 1st Jul 2021)	eIDAS QWAC eIDAS QSealC OB legacy (obtransport, obsigning) OBWAC OBSeal Other (Please define)

Customer Journey

-What is your approach to Implementing OBIE Customer Experience Guidelines (CEG)? (tick all that apply)	Already Implemented Planning to implement or upgrade Not planning to implement CEG
Which version have you implemented or planning to implement? (Lowest version = Current, Highest version = Planned)	V3.1.2 V3.1.3 V3.1.4 V3.1.5 V3.1.6 V3.1.7 V3.1.8
Which date are you planning to implement your latest CEG version?
Redirection Model	App to App redirection Decoupled authentication Embedded Flow Bespoke User Journeys	Cynergy Bank does not offer a mobile banking app
Options on 90 day re-authentication?	90 day consent model as per SCA-RTS Article 10

PSD2

-Which Directory are you using as your Trust Framework?	Cynergy Bank will utilise an independent eIDAS solution provider. Cynergy Bank will also offer OBIE's Dynamic Client Registration
Are you caching the Directory?	No
Transaction IDs Supported	Immutable Transaction ID from Cynergy's Core Banking System
Are you enrolled to Dispute Management System?	Yes No
Are you Seeking Fallback Exemption?	Yes No
Article 10 - Maximum time period after authentication	If 90 days has elapsed since SCA was applied, the customer will need to re-authenticate. The 90 day period is specific to each AISP and must be distinguished to the 90 day period which applies to customers. Application of SCA to initiate a payment (via a PISP or customer) does not restart the 90 day period.
Article 10 - Endpoints exempt of SCA	No
Major Milestones	Testing interface Open Banking API standard v3.0 13 Mar 2019 Wide usage interface Open Banking API Standard v3.0 13 Mar 2019 Stress testing (Open Banking API standard v3.0) 30 Jun 2019 Open Banking API standard v3.1.1 29 Feb 2020 Infrastructure upgrade 29 Feb 2020 eIDAS 29 Feb 2020
Brand(s)

ASPSP Dev Portal and Contact Details

Location of Well Known Endpoints	Open Banking technical directory and Cynergy Bank Developer Portal https://openbanking.cynergybank.co.uk/API/.well-known/openid-configuration
Modified Customer Interface URL (if applicable)
Dev Portal URL	https://openbanking.cynergybank.co.uk
Test Facility URL
Brand Landing Pages URL		[You can use this space to explain your guidance on using Brand logos]
ASPSP Support Desk Email or Phone Number (including queries about consent success rates)	obaccadmin@cynergybank.co.uk

Key Implementations

High Cost Credit	Implemented 30 Nov 2019